Secure the perfect base for your business

When you are buying a premises for your business, you have the option to take out commercial property finance that provides a number of uses to optimise your operations.

Own your space - take full control and stop renting

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Take advantage of lucrative investment opportunities

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Adapt your premises or operations to support growth

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Create productive, inspiring and dynamic workspaces

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Be front and centre to position yourself for maximum footfall

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Leverage opportunities to maximise your income stream

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Commercial property solutions from Millbrook - Shop ownerk

What is commercial property finance?

Commercial property finance offers a smart way for businesses and investors to buy or refinance offices, warehouses, retail, mixed-use properties, and trading businesses – turning opportunities into growth.

Apply for commercial property finance - tick iconSecure your funding

Secure the perfect base for your business

When you are buying a premises for your business, you have the option to take out commercial property finance that provides a number of uses to optimise your operations.

Own your space - take full control and stop renting

green-check

Take advantage of lucrative investment opportunities

green-check

Adapt your premises or operations to support growth

green-check

Create productive, inspiring and dynamic workspaces

green-check

Be front and centre to position yourself for maximum footfall

green-check

Leverage opportunities to maximise your income stream

See our success stories Browse Millbrook's success stories - arrow icon

Key benefits of our business property finance solutions

With flexible terms shaped around your goals, Millbrook sources commercial property finance to fund premise purchases, trading business acquisitions, refinancing to release equity, or even property extensions and conversions.

Whether you’re an investor buying, refurbishing, or converting properties, a business owner expanding your trading space, or an entrepreneur pursuing your next opportunity, our transparent commercial property finance solutions are designed to meet your needs.

Read our client success story for how we helped to secure a £450,000 commercial property loan for a new London entertainment venue.

Get funding for your business Apply for commerce property finance - arrow icon

Own your business premises

Allows businesses to own their commercial property, rather than renting or leasing, providing long-term stability and control over their location.

Comprehensive sector coverage

At Millbrook, our real estate experts bring extensive experience across a wide range of commercial property sectors.

Finance solutions for every situation

Our specialists arrange commercial mortgages for all types of borrowers - from limited companies and sole traders, to trusts, pension schemes, and even overseas structures.

When banks say no, we help you grow

If your lender says no, Millbrook finds a way - from refinancing and equity release to funding growth and acquisitions. Our flexible solutions help you move forward with confidence.

Investor diversification

Diversify your portfolio with commercial or mixed-use properties. Multiple rental streams help cover payments and deliver steady cashflow in any market.

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Funding your property plans and development projects

 

There are various ways to fund a commericial property, but choosing the right finance solution can be difficult. Let's explore the different types to help you find the right one.

Commercial Property Finance

Own, expand and optimise your premises with flexible funding to buy, refinance or upgrade - unlocking equity and fuelling business growth.

Who is it for
  • Owner-occupiers buying their first site or moving to larger premises
  • Investors acquiring or refinancing income-producing property
  • Businesses raising capital against existing assets to fund expansion
  • Fit-out, refurbishment or redevelopment projects
What you get
  • Long terms (with interest-only options) to support cashflow
  • Fixed or variable rates matched to your risk profile
  • Unlock equity or boost borrowing power by adding security
  • Access to a broad lender panel to find a best-fit solution

Bridging Finance

Move at speed with short-term, funding to buy, refinance or refurbish, residential and commercial property while you line up your long-term solution.

Who is it for
  • Auction purchases with tight deadlines
  • Chain breaks - buy the new site now, sell the other later
  • Refurbishments & change of use (light, medium or heavy)
  • Planning uplift or short-term refinance/finish-and-exit
What you get
  • Indicative terms within days; funds from as little as 7 days
  • Flexible exits - refinance, sale or cash injection when ready
  • Up to 85% LTV (higher with additional security)
  • Dedicated account manager to coordinate valuation and legals

Development Finance

Power your build with staged, short-term funding - acquire sites, refinance, or complete/refurbish projects while you arrange longer-term finance.

Who is it for
  • Fast site acquisitions (including auctions and options)
  • Chain breaks / expiring facilities - keep the project moving
  • Light to heavy refurbs and change-of-use schemes
  • Planning uplift, enabling works or finish-and-exit
What you get
  • Indicative terms in 48-72 hours; first drawdown in days
  • Flexible exits to suit your development goals
  • Up to 70% LTGDV or 90% Loan to Cost
  • Dedicated account manager coordinating each key stage

Buy-to-Let Finance

Secure flexible buy-to-let funding to purchase, remortgage or expand rental portfolios, incl. refurb-to-let options to maximise yield.

Who is it for
  • Landlords buying / remortgaging rental property
  • Single-lets, HMOs, MUFBs, PBSA and holiday lets
  • Refurb-to-let projects prior to switching onto a BTL mortgage
  • Equity release to fund the next acquisition or capex
What you get
  • Indicative terms within days and fast completions
  • Up to 75% LTV
  • Investment-friendly underwriting incl. top-slicing and portfolio servicing
  • Fixed or variable rates and a dedicated account manager

Why Millbrook Business Finance is different

 

With desirable rates and flexible repayment terms, our commercial property finance solutions power UK business expansion.

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Up to 30-year
repayment terms

Dedicated Account Managers icon

Dedicated account
management

Interest-only options icon

Interest only
periods available

Quick and easy finance application process icon

Simple application
process

Uo to 8% loan to value icon

Up to 85%
loan to value

Fixed and variable rate options icon

Fixed and variable
rate options

FAQS

Commercial Property Finance

What is commercial property finance? faq_arrow

How to finance commercial property? faq_arrow

Can you refinance a commercial property? faq_arrow

What is a mixed-use property? faq_arrow

How does commercial property finance work? faq_arrow

What is an Opco-PropCo deal? faq_arrow

What information do I need to provide? faq_arrow

Still got questions?

Speak to our commercial property finance experts today

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Apply for commercial property finance with Millbrook

 

Ready to apply for funding? Our commercial property finance experts look forward to matching you with a solution that meets your needs and ambitions.

Start your application for commercial property finance - tick icon Start your application

Need a different business finance solution?

Millbrook does more than just property finance. We have an array of flexible business financing options to meet any requirement. Head to our solutions overview page or browse the options below.

BUSINESS LOANS

Get fast unsecured and secured business loans from £10k–£25m.

check-dark-green For any business purpose
check-dark-green Up to 10 years repayment terms
check-dark-green Funding approved within 8 hours
Learn more

GROWTH GUARANTEE SCHEME

GGS offers flexible terms and competitive rates tailored to your specific needs.

check-dark-green 70% government backed
check-dark-green Up to £2m per business
check-dark-green Available in addition to CBILs & BBLs
Learn more

ASSET & EQUIPMENT FINANCE

Support your business growth without impacting your cash flow.

check-dark-green Purchase any asset
check-dark-green Simple application process
check-dark-green Repayment terms up to 7 years
Learn more

VEHICLE FINANCE

Fund any vehicle purchases, from vans and lorries to supercars.

check-dark-green Flexible deposits available
check-dark-green Tailored balloon payments
check-dark-green Hire purchase, lease or refinance
Learn more

Refinance

Release cash equity from equipment or obtain better terms on existing finance agreements.

check-dark-green Release cash from your equipment
check-dark-green Obtain improved finance terms
check-dark-green Great for debt consolidation
Learn more

MERCHANT CASH ADVANCE

Quickly raise working capital against your company's card sales.

check-dark-green No interest rate or fixed repayments
check-dark-green Borrow up to double your monthly card sales
check-dark-green 90% approval rate
Learn more

COMMERCIAL PROPERTY FINANCE

Get quick access to property-related finance.

check-dark-green Repayment up to 30 years
check-dark-green Interest-only products available
check-dark-green 80% LTV or 100% with security
Learn more

INVOICE FINANCE

Unlock funds tied up in outstanding invoices.

check-dark-green Up to 90% of invoices’ value
check-dark-green Your facility grows with you
check-dark-green Fast and simple to release cash
Learn more

Need help choosing the right finance solution for your business?

Business finance can be complicated. To help you make sense of the options available, we've created this handy interactive Business Finance Checklist.

Download now Download Millbrook's Business Finance Checklist - arrow icon
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